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Medical Disability Insurance

23
Feb

Medical Resident Disability Insurance – Learn How to Maximize Protection

A common question we receive regarding medical resident disability insurance relates to increasing the disability benefit at some point in the future. Medical resident disability insurance is capped at $5,000/month. This amount is inadequate for residents/fellows who are about to at least triple their salary as…

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30
Jan

The Disability Diagnostic Series: Definition of Disability

 Disability Diagnostic Series: Definition of Disability By D.K. Unger   To begin this new series, I will be looking at the heart of disability insurance contracts, the definition of disability. The definition of disability determines whether your benefit will be received or not. There is…

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9
Dec

Obtain Disability Insurance Coverage from an Independent Specialist

  When looking to obtain disability insurance, it is imperative that a physician seeks an independent agent that represents multiple carriers and specializes in disability insurance. Disability insurance is unlike life insurance in that the policies are more complex and vary with each carrier. Achieving the…

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31
Oct

UCI Guaranteed Issue Discounted Disability Plan Termination

The UCI guaranteed issue discounted disability plan terminates 11/1. This will be the last time you will be able to obtain individual disability coverage on a pre-approved and discounted basis. This is also the last chance for females to get a gender neutral rate. After…

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7
Apr

Purchase Disability Coverage While in Residency or Fellowship

Q: Why should I purchase disability insurance while I’m still in residency or fellowship?   A:  A good reason to purchase disability coverage while in residency or fellowship is because rates are based on age and current health. Those premiums are locked in for the duration of the…

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31
Oct

A LONG-TERM DISABILITY POLICY CAN PROTECT YOUR INCOME

by ELl J. HJERMSTED Achieving your personal and professional goals depends on your ability to earn an income. A disabling accident or illness, however, can prevent you from practicing medicine for a long period of time. ABOUT ONE in five Americans will become disabled for…

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27
Jul

Disability Insurance: Protect Your Most Valuable Asset

Author: Borgia, Andy G, Disability Insurance for Physicians Publication: Western Journal of Emergency Medicine, 14(3)     As an emergency physician you have invested at least 25 years to prepare for your medical career. Your ability to practice your medical specialty is your most valuable…

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28
May

Overlooking Disability Insurance Can Be Costly

By Dave Carpenter CHICAGO (AP) — Long-term disability insurance is the forgotten insurance. The importance of auto, health, homeowners and life insurance is well known. But disability coverage, which replaces lost earnings if you can’t work, tends to be ignored —— until you need it….

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30
Jan

5 Tips for Avoiding Financial Catastrophe

Advice for Doctors on Disability Insurance By Charles Matt, CFS As a financial adviser, I have found that just because someone has a high standard of living and is highly educated—as is true of most of my physician clients—does not necessarily mean that he or…

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27
Nov

Disability Insurance for Emergency Medicine Physicians

Disability Insurance for Emergency Medicine Physicians Protects Your Most Valuable Asset by Andy Borgia Co-Founder, DI4MDs As an Emergency Physician you have invested at least 25 years to prepare for your medical career. Your ability to practice your medical specialty is your most valuable asset…

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We Are Here To Help You

We are unbiased independent insurance agents advocating in the best interests of our clients. While most agents are generally selling insurance for one insurance company, we feel it is our duty to our client to do a full review of their needs before going out into the marketplace to find which product fits their personal needs. Given that disability insurance is the hardest type of insurance to obtain, we negotiate with the insurance companies on your behalf to help you receive the best coverage possible in a timely manner. If you would like to receive a quote you can request one on our site, or if you would like to set up an appointment feel free to contact us to set up a conference call or to meet personally.

Odds are likely that you are healthier today than you will be in 10 years.

Lock in your health status for lower premiums by contacting us today!
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Latest Blog Post

  • Standard Insurance Increases Their Maximum Physician and Surgeon Disability Insurance Monthly Benefit to $30,000
    Great news for the highest earning physicians/surgeons out there - ...

    August 12, 2022

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  • Military Dentist Disability Insurance
    We recently authored a guest post on disability insurance options ...

    February 18, 2022

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